Business

“Rapid changes in technology have

changed the way that we do business.

Consequently, business transformation

was a major focus in 2015.”

Wellness“Georgia’s Own has always placed a

tremendous importance on wellness,

especially the fi nancial wellness of our

members.”

Culture

“Building a world-class culture is

our passion, and an integral part

of being one of Georgia’s Own is

constantly fi nding elevated ways

to serve our members and the

communities we represent.”

Looking back at 2015, it is clear that it

was a pivotal year of transformation.

From the infusion of more intuitive

technology and a focus on overall

wellness to a relentless passion for

our world-class culture, Georgia’s Own

leveraged opportunities throughout

the year to transform our business and

position ourselves for a strong future.

Business

Rapid changes in technology have

created innovative opportunities

to better serve our members.

Consequently, business transformation

was a major focus in 2015. During

the year, we implemented numerous

strategic initiatives to improve

performance, enhance growth and drive

long-term value for our members. This

includes transforming our products

and processes, enhancing our digital

channels, and furthering our strategic

roadmap for branches.

In 2015, we added the ability to make

Member-to-Member transfers through

our online banking system. In addition,

we worked with our credit and debit

card providers to prepare for the

launch of chip card technology. By the

end of 2016, all Georgia’s Own Credit

and Debit cards will contain chip-

enabled security. The Guaranteed Asset

Protection product for automobile loans

was enhanced, and now helps pay the

collision deductible. We also added

30-year, ! xed-rate jumbo mortgage loans

to our product o" ering. Finally, we created

an onboarding department to welcome

new members to the Credit Union.

We also transformed our physical

footprint. Part of our continued growth

included adding the residents of Paulding

and Fayette Counties to our ! eld of

membership. In addition, we opened a

new, state-of-the-art branch in Conyers

and began construction on our much-

anticipated Roswell branch, which will

open in 2016. Finally, we expanded our

Field of Membership with the addition of

21 new Premier Partners.

Our business transformation e" orts are

already yielding strong results and are

demonstrated in our numbers. In 2015,

Georgia’s Own hit a milestone by crossing

the $2 billion asset threshold, ending the

year at $2,047,209,143. Our membership

grew to 184,515, a steady 3.63% increase

over the previous year. Our loan portfolio

increased throughout the year as well.

Organic loan balances increased by $106.4

million for 11.24% growth. Similarly,

members’ share accounts increased to a

record $636.3 million. Checking, as well as

Money Market accounts remained strong,

representing $50 million and $9.5 million

in growth, respectively.

Wellness

Georgia’s Own has always placed a

tremendous importance on wellness,

especially the ! nancial wellness of our

TRANSFORMATION

members. Programs like Balance Financial Fitness,

Georgia’s Own Investment and Retirement Services,

our seminar series for Premier Partner companies,

and our scholarship program with which we granted

$15,000 to college students in 2015 are just a few

examples of how we invest in our members.

While ! nancial wellness is our business, employee

wellness is equally important and we made great

strides in providing ample wellness opportunities

to our sta" . In 2015, we held our ! rst wellness fair.

Additionally, we added paid time-o" for wellness

to our employee bene! ts plan. Similarly, we o" ered

numerous ways for employees to get ! t in 2015.

Culture

The Georgia’s Own culture is one of positive energy

and an unwavering quest for creating better ways

for our members to bank. One way we worked

toward this is through our sales and service initiative,

which is intended to strengthen our commitment

to continually enrich the experience we deliver to

our members. As part of this program, we created

a President’s Club and inducted our ! rst group of

ten employees in 2015. This group has set the bar

for exceptional service and performance standards

within our organization.

We also continued our cultural emphasis on

collaboration within the organization through

company-wide events and sponsorships, including

our 6th annual GOCYou Day. As part of our GOCYou

Day event, in conjunction with Stop Hunger Now,

we succeeded in packaging 268,488 individual

meals for primary and middle school children in

Zambia. Other organizations that we were proud to

support included Junior Achievement of Georgia,

Action Ministries’ Women’s Kitchen, Feed the Hungry,

Children’s Miracle Network, Action Ministries’

summer hunger program, Smart Lunch, Smart Kid,

and the United Way Shoebox Project. Additionally,

we held our annual charity golf tournament and

were once again able to raise $100,000 to bene! t

L.E.A.D., an organization that is changing the lives of

at-risk young men in Atlanta. In view of our ongoing

philanthropic e" orts, Georgia’s Own began the

creation of a foundation for charitable giving, which

will enable Georgia’s Own to further our community

partnerships through nonpro! t donations.

2015 was a year of transformation, but no matter

what changes lie ahead, we will always remain

committed to you, our members. As we look forward

to 2016, we see enormous opportunity to leverage

our 80 plus years of experience and channel the skills

and creativity of our people to develop innovative

solutions, deliver greater member value and help our

business # ourish. We look forward to another year

of growth and possibilities, and thank you for being

one of Georgia’s Own.

Sincerely,

Joseph M. Mauriello, Chairperson

David A. Preter, President/CEO

2015 AT A GLANCE

Grew to 184,515 members by providing unmatched value and service

Reached more than $2 billion in assets, ending the year at $2,047,209,143, which was up 11.95% over 2014

Maintained a healthy net worth capital ratio of 10.77% as of December 31, 2015, well above what regulators consider well-capitalized

Returned nearly $5.2 million in dividends and interest to members

Increased our organic loan balances by $106.4 million for 11.24% growth

Enhanced our protection product for automobile loans and added Member-to-Member transfers and 30-year, ! xed-rate jumbo mortgage loans to our product o" erings

Created an onboarding department to welcome new members to the Credit Union

Opened a state-of-the-art branch in Conyers and began construction on a new branch in Roswell, Ga

Welcomed the residents of Fayette and Paulding Counties into our ! eld of membership

Added 21 Premier Partners to our ! eld of membership

Awarded $15,000 in college scholarships

Created a President’s Club and inducted our ! rst group of ten employees in 2015

Began the creation of a foundation for charitable giving to further our community partnerships through non-pro! t donations

Participated in and donated to various community and charitable causes, including: Stop Hunger Now, L.E.A.D., Junior Achievement of Georgia, Action Ministries’ Women’s Kitchen, Feed the Hungry, Children’s Miracle Network, Action Ministries’ summer hunger program, Smart Lunch, Smart Kid and the United Way Shoebox Project

Contributed nearly $325,000 to charitable causes through sponsorships and donations

Volunteered more than 3,700 hours in time to community involvement e" orts

Maintained our o& cial partnership with Junior Achievement of Georgia

Remained the O& cial Credit Union of Georgia State University Athletics

Continued our proud partnership of the Atlanta Braves, Philips Arena/Atlanta Hawks, and University of Georgia Football

Board of Directors David A. Preter | President/CEO

Joseph M. Mauriello | Chairman

Michael W. Baumgartner | Vice Chairman

Patrick H. Casey | Treasurer

Joan K. Sims | Secretary

Richard E. Burns

William E. Conine

David Dickey

James Larry Fowler

Gary Ludgood

Ervin M. Walker

C. Edward Heath | Director Emeritus

John White | Director Emeritus

Senior Executives Cindy Boyles | SVP Organizational Development

Eric Broome | SVP Enterprise Risk Management & General Counsel

John Carew | SVP Strategy

Kelly Garmon, Ph.D. | Chief Membership O! cer

Greg Gibson | Chief Financial O! cer

Bonnie Kimmey | Chief Operations O! cer

Financials

georgiasown.org

404.874.1166 800.533.2062

1155 Peachtree Street NE P.O. Box 105205 Atlanta, GA 30348